CLAIMS:

To report a claim, follow these 3 general steps:
- STEP 1: In case of an emergency call 24/7 Emergency Assistance Center as soon as possible. Failure to do that can decrease your insurance benefit.
- STEP 2: Report your claim within 30 days by completing a claim form.
- STEP 3: Send all original bills within 90 days from the day of emergency (don't forget to make your own copies).

MANULIFE
Emergency Assistance:1-877-878-0142 toll free Canada & USA; 519-251-5166 collect call. 
Claim Assistance: 1-877-878-0142 toll free Canada/U.S or 519-251-5166.
Mail all original documents to:
Manulife Financial Travel Insurance
c/o Active Care Management
P.O. Box 1237 Stn. A
Windsor, ON, N9A 6P8

21st CENTURY
Emergency Assistance: 1-877-882-2957 toll free Canada & USA; 519-251-7856 collect call
Claim Assistance: 1-866-228-6386 toll free Canada & USA.
Mail all original documents to:
21st Century Visitors Claims
c/o Manulife Financial 
P.O. Box 4262, Stn. A
Toronto, ON, M5W 5T4 
21st Century Claim Form PDF

TIC
Emergency Assistance: 1-800-995-1662 toll free Canada & USA; 416-340-0049 collect call
800-842-08420 or 00-800-842-08420 Toll Free Worldwide.
Claim Assistance: 1-800-869-6747 toll free or 416-340-8809 collect call.
Mail all original documents to:
TIC Claims Department 
2100-250 Yonge Street 
Toronto ON, Canada M5B 2L7
TIC Visitors Claim Form PDF
TIC International Student CLAIM FORM PDF

ETFS
Emergency Assistance: 1-800-715-8833 toll free Canada & USA; 819-566-8839 Collect Call.
Claim Assistance: 1-800-336-9224 toll free Canada & USA;819-566-8698 collect call. 
Mail all original documents to:
Global Excel Management Inc.
73 Queen Street 
Lennoxville, Quebec 
J1M 1J3
ETFS Claim Form PDF

TRAVEL UNDERWRITERS
Emergency Assistance: 1-800-663-0399 toll free Canada & USA; 604-278-4108 collect call.
001-800-514-9976 toll free from Mexico; 800-663-00399 toll free worldwide.
Claim Assistance: 1-800-663-0399 toll free Canada & USA; 604-278-4108 collect call.
001-800-514-9976 toll free from Mexico; 800-663-00399 toll free worldwide.
Mail all original documents to:
OneWorld Assist Inc.
11th Floor, 6081 No. 3 Road
Richmond, BC Canada V6Y 2B2 

BLUE CROSS
Emergency Assistance: 1-800-361-6068 toll free Canada & USA; 514-286-8411 collect call.
Claim Assistance: 1-800-387-2538 for Quebec; 1-800-557-3907 for Ontario and Atlantic region.

TRAVEL GUARD
Emergency Assistance: 1-866-878-0192 toll free Canada & USA; 416-646-3723 collect call.
To report a claim or to request a claim form call: 1-866-878-0191
Mail all original documents to:
Travel Guard
Attn: Claims Department
145 Wellington Street West
Toronto, ON, M5J 1H8

GMS
Emergency Assistance: 1-800-459-6604 toll free Canada & USA;  905-726-5196 collect call. 
Claim Assistance::1-800-459-6604 toll free Canada/U.S or 905-726-5196 collect call.
Mail all original documents to:
Group Medical Services
150 Commerce Valley Drive W. 9th floor
Thornhill, ON, L3T 7Z3
GMS Claim Form PDF

IMG
Emergency Assistance:1-800-628-4664 toll free USA; 317-655-4500 Collect Call Worldwide.
Claim Assistance:1-800-628-4664 toll free USA; 317-655-4500 Collect Call Worldwide.
Mail all original documents to:
International Medical Group 
P.O. Box 88500 
Indianapolis, IN 
46208-0500 USA
IMG Claim Form PDF

HCC
Emergency Assistance: 1-800-605-2282 toll free USA; 317-262-2132 collect call Worldwide.
Claim Assistance: 1-800-605-2282 toll free USA; 317-262-2132 collect call Worldwide.
Mail all original documents to: 
MultiNational Underwrite
P.O. Box 863 
Indianapolis, Indiana 46206 
HCC Claim Form PDF

Seven Corners
Emergency Assistance: 1-800-690-6295 toll free Canada & USA; 317-818-2808 Collect Call.
Claim Assistance: 1-800-335-0477 or 317-575-2656
Mail all original documents to:
Specialty Risk International, Inc.
303 Congressional Boulevard
Carmel, IN 46032 
Seven Corners Claim Form PDF

COMPLAINT:

If you disagree with the insurance company's claim decision, you may follow these easy steps to make a complaint:
STEP 1: Request in writing from the insurance company to review your claim. You may contact your insurance broker for assistance.
STEP 2: If not satisfied again with the second decision, you have the right of arbitration in accordance with the law governing arbitration proceedings in the province in which your policy was issued. Legal action to recover a claim must start within 12 months of the date of bodily injury or the date on which you first received any emergency medical service. 
STEP 3: You also have the option of contacting the following regulating bodies: Better Business Bureau - www.bbb.org (enter your Canadian postal code to find nearest office) Canadian Life and Health Insurance OmbudService - www.olhi.ca